Where Life Meets Opportunity

You’re thinking of buying or refinancing a vehicle – we’re here to make it a reality. At UFCU, we’ve been helping Central Texans make dream-come true financial decisions for more than 80 years. We offer customized solutions, low rates, and flexible terms that put you in control:

  • Get 0% interest for 90 days when you refinance your auto loan from other lenders to UFCU by December 31. We’ll waive your title fees, too! That makes it the easiest refinance you’ve ever done while providing some buffer to your budget!
  • Collaborate with a representative on your side. Explore your options and learn what’s right for you. Whether it’s refinancing, buying new or used, learning about insurance options, or getting negotiation tips, we’re happy to help!
  • Save time with one-stop service. UFCU Insurance Services® provides all the coverage you need to protect your car. Just ask us for a free estimate (at no obligation, of course).

Whatever your car dreams are, we’re here to bring them to life.

Apply Today

Rates that yield to your budget

Annual Percentage Rate (APR) based on your credit
Excellent Good Average Fair Marginal Poor /
No Score
1 to 48 1.65% 1.95% 2.40% 6.15% 11.85% 14.65%
49 to 66 1.95% 2.40% 2.95% 6.60% 12.30% 15.10%
67 plus* 3.45% 3.90% 4.45% 8.10% 14.25% 17.05%

*For terms longer than 66 months, you may qualify for a rate reduction of 1.5% based on a loan-to-value ratio that is less than 100%.

Rate discounts do not apply to current UFCU loans.

These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.

Term restrictions may apply.

What's Your Available Cash?


This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

"I love UFCU. I’ve been with this credit union for 31 years and I don’t plan on changing."

Barry H
Member Since 1985